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    • Hi I received a Parking Charge letter to keeper on Monday 15/04/24, the 17th day after the alleged incident. My understanding is that this is outside the window for notifying. The issue date was 08/04/2024 which should have been in good time for it to have arrived within the notice period but in fact it actually arrived at lunchtime on the 15th. Do I have to prove when it arrived  (and if so how can I do that?) or is the onus on them to prove it was delivered in time? All I can find is that delivery is assumed to be on the second working day after issue which would have been Weds 10//04/24 but it was actually delivered 5 days later than that (thank you Royal Mail!). My husband was present when it arrived - is a family member witness considered sufficient proof? 1 Date of the infringement  arr 28/03/24 21:00, dep 29/03/24 01.27 2 Date on the NTK  08/04/2024 (Date of Issue) 3 Date received Monday 15/04/24 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012?  Yes 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No    Have you had a response?  n/a 7 Who is the parking company? GroupNexus 8. Where exactly [carpark name and town] Petrol Station Roadchef Tibshelf South DE55 5T 'operating in accordance with the BPA's Code of Practice'  
    • lookinforinfo - many thanks for your reply. It would be very interesting to get the letter of discontinuance. The court receptionist said that the county court was in Gloucester 'today' so that makes me think that some days it is in Gloucester and some days its in Cheltenham, it was maybe changed by the courts and i was never informed, who knows if DCBL were or not. My costs were a gallon of petrol and £3.40 for parking. I certainly don't want to end up in court again that's for sure but never say never lol. Its utterly disgusting the way these crooks can legally treat motorists but that's the uk for you. I'm originally from Scotland so it's good that they are not enforceable there but they certainly still try to get money out of you. I have to admit i have lost count of the pcn's i have received in the last 2 yr and 4 months since coming to England for work, most of them stop bothering you on their own eventually, it was just this one that they took it all the way. Like i mentioned in my WS the the likes of Aldi and other companies can get them cancelled but Mcdonalds refused to help me despite me being a very good customer.   brassednecked - many thanks   honeybee - many thanks   nicky boy - many thanks    
    • Huh? This is nothing about paying just for what I use - I currently prefer the averaged monthly payment - else i wouldn't be in credit month after month - which I am comfortable with - else I wold simply request a part refund - which I  would have done if they hadn't reduced my monthly dd after the complaint I raised (handled slowly and rather badly) highlighted the errors in their systems (one of which they do seem to have fixed) Are you not aware DD is always potentially variable? ah well, look it up - but my deal is a supposed to average the payments over a year, and i dont expect them to change payments (up or down) without my informed agreement ESPECIALLY when I'm in credit over winter.   You are happy with your smart meter - jolly for you I dont want one, dont have to have one  - so wont   I have a box that tells me my electricity usage - was free donkeys years ago and shows me everything I need to know just like a smart meter but doesnt need a smart meter,  and i can manually set my charges - so as a side effect - would show me if the charges from the supplier were mismatched. Doesn't tell me if the meters actually calibrated correctly - but neither does your smart meter. That all relies on a label and the competence of the testers - and the competence of any remote fiddling with the settings. You seem happy with that - thats fine. I'm not.    
    • Evening all,   So today, I was sent an updated offer that includes the £12.60 I spent on letters, but they have declined to add the interest at £7.40. They have stating 'We acknowledge your request to claim interest to date, however, this would be at the discretion of a trial judge if the claim did proceed to a trial hearing.' I think I am content with this outcome, and pushing this to a trial for a total interest of £15.30 throughout the claim does not make sense to me.   What are people's thoughts? I am sure our courts have better things to concentrate on?
    • FFRSG3424ListofEvidencepdf-V1 2-merged.pdfFFRSG3424ListofEvidencepdf-V1 2-merged.pdf 2pages T&C,s UCM
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Car insurance quote refusal


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I was amazed today when an insurance company refused to give me a quote

due to failing a credit check.

 

Why was I amazed?. Well firstly my credit report is fine and clear.

Secondly, I wasn't asking for credit to pay my car insurence on monthly installments,

I was going to pay the full year premium in cash.

 

I have no idea why a credit check is required in order to buy things using cash.

By cash I mean via my debit card.

 

I thought that credit reports had nothing to do with buying things cash but sadly

I have now been proved wrong.

I did move home address recently however, my new address is shown on my current credit report, so that's not the reason for insurance quote refusal.

 

Does anybody know why credit checks are carried out against customers who are

paying cash.

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I meant paying via debit card which is as good as paying cash in my opinion.

I did mention this in my original post.

Why do you consider using my debit card an indication of money laundering?

 

They don't think it is money laundering. They thought you were handing over large amount of cash notes.

 

In regard to the credit check, this is mostly to check identity and if you had a CCJ they might refuse monthly payment option.

 

I suspect an error has occured. It might be your name and or date of birth were noted incorrectly. The address might not have matched the one you gave on the credit record the Insurers used.

 

I would not presume there is any issue with your credit record.

We could do with some help from you.

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If it isn't an admin error, look at the OP's previous posts, as many of the events described have the potential to be influencing this.

 

As for " Well firstly my credit report is fine and clear." : which provider(s) did you use? which provider(s) did they check.

Is there still a charging order on your house? (http://www.consumeractiongroup.co.uk/forum/showthread.php?447894-Writing-my-Will-cant-bequest-house-because-of-charging-order&p=4753677#post4753677)

 

Back in December you were saying that the CCJ was still showing ......

Today I checked my credit report with "Credit Report .co .uk"

 

Despite the CCJ being satisfied and also being over 6 years old, it still shows as unpaid

and still active.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?440881-Bristol-and-Wessex-Water-amp-Charging-order-they-say-they-want-paying-now..&p=4980524#post4980524

 

Did you check your National Hunter record? Did they?

 

Ever heard of ID fraud?

 

OP has claimed he has been the victim of ID fraud in the past

http://www.consumeractiongroup.co.uk/forum/showthread.php?421865-HMRC-want-paying-for-WTC-joint-claim-my-wife-forged-my-sig

 

OP has also (in the past) , complained about a car insurance quote from Saga (and started a new quote for an Aston Martin DB6, 'just to see the result'), and (different thread) had large cash deposits into bank accounts declined.

 

Perhaps the (ex-)wife has taken action for the marital home being demolished, resulting in her not receiving her share of its value .....

http://www.consumeractiongroup.co.uk/forum/showthread.php?470503-Can-t-pay-cash-into-my-account/page3

 

With so many possible causes ; OP has some fact finding to do to find the best way to unravel this.

They may also find their premiums increase as they now have to reply "yes" if asked if they have ever had cover refused or cancelled........

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All the different posts regarding some very serious issues that not many people ever get into.

Hmrc probs

Car quote probs

Fraud probs etc etc

 

Well, I'm sure someone could be that unlucky, through the law of probability (low 'prior probability' for any one identifiable individual beforehand, but multiplied by the billions of people on Earth, someone could.....)

 

Then again, people can contribute to their own misfortune (e.g. being warned that a particular act would trip a money laundering alert, and then going ahead and doing it anyway, or their house being demolished by a friend of their son, whilst being part of a divorce settlement....)

 

Both of these are plausible, if you take the OP's posts at face value, especially if they have a tendency to "cut off their nose, to spite their face"

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